5 things to know before you get back on the water
fb share twitter share pinterest share mail share sms share linkedin

5 things to know before you get back on the water

by American Modern April 01, 2024

Summer is right around the corner—and that means it’s time to take the boat out of winter storage. Although there will always be risks, some marine losses can be avoided if boat owners (and agents and underwriters!) know a few warning signs. Here are 5 tips to help navigate toward a ship-shape voyage:

For Boat Owners: Maintain Your Vessel

  • Use proper oil and additives designed for moist marine environments. This could reduce towing, liability, and mechanical failure issues.
  • Regular maintenance is important. Many maintenance tasks are not listed in a boat owner’s manual, and some are dependent on the vessel’s usage and environment.
  • Here’s one for the end of the season: Many boat owners attempt to save money through do-it-yourself winterization techniques or do nothing at all. Having a qualified marine shop provide preventative maintenance on these boats can preserve them from freeze damage and losses.

For Agents: Consult An Expert

  • Certain insurance companies offer agents an additional layer of expertise for marine risks. These expert teams can help agents identify weaknesses when considering marine risk.
  • Request a current marine surveyor’s report (a review of the physical fitness of the vessel). The more information that can be obtained, the better position the agent and underwriter will be in when evaluating these boats.

By keeping these tips in mind, you can increase your knowledge of the perils these vessels face along with the costs associated with repairs – and be ready for your first trip back out on the water.

Find out even more about marine risks and how to avoid them in this Insurance Journal article.

For information only. Not applicable to all situations. 

American Modern

American Modern is a widely recognized specialty insurance leader that delivers products and services for residential property--like manufactured homes and specialty dwellings--and for consumers in the recreational market, including owners of boats, personal watercraft, classic cars, motorcycles, ATVs and snowmobiles. For more information, visit